Taking Care of Business

Advanced business planning can assist you in answering the tough questions
associated with recruiting, retaining or replacing key employees who are
critical to the success of a business. Cincinnati Life has a wide array of life
insurance and annuity products to meet your business planning needs.

Business Continuation

Your business continuation plan can be funded with life insurance, helping
to stabilize and maximize the value of your business by:

creating a market for a deceased owner's share of the business

establishing the price and terms of the sale

providing the cash needed to complete the purchase

Your business continuation plan can establish the value of your business for
estate taxes. And prevent ownership of your business from transferring into the
wrong hands. You can reassure your creditors that your business remains a good
credit risk, and your employees can rest easier knowing that should anything
happen, the business will continue.

Key-Employee Protection

Employees add considerable value to every business. What would happen if you
unexpectedly lost a key employee?

Key-employee life insurance coverage protects your business. It can provide
the capital needed to find, hire and train a new employee. It can cover the
economic impact your business encounters with the loss of an essential
employee.

Executive Benefits

When faced with the challenges of today’s job market, your potential
executives often base career and employer choices on the benefits packages
available. A high-quality, well-planned executive benefits package can help you
attract, retain and reward key employees.

Disability Protection

The ability to work and earn an income is the most valuable economic asset
an individual possesses. A total disability due to illness or injury could
deplete, if not devastate your personal assets. In addition, health costs rise
because of the need for physical therapy or special equipment. A disability
income insurance policy can help minimize the impact of such a devastating
occurrence.

Business Overhead Expense Protection

Business professionals often overlook the risk that disability poses to the
continuation of fixed office overhead expenses. During a business owner’s
disability, a loss of income may cause not only personal financial hardship but
also strain on the business itself. Fixed business expenses continue to be
incurred regardless of incoming cash flow. Adding Business Overhead Expense
Protection to your disability income policy can provide coverage for those
fixed expenses while you are disabled.

Employee Benefits

In today’s workplace, benefits are extremely important for employee
satisfaction. Cincinnati Life’s payroll deduction life insurance program helps
you expand fringe benefit insurance programs and helps employees purchase life
insurance.

Several benefits are available that you, as a business owner, may gain by
offering payroll-deduction life insurance plans to your employees.

Benefits of Payroll Deduction:

For you…

Expands your fringe benefits insurance program available to employees at no
additional cost to you